Call reports 2012
SADDLE RIVER VALLEY BANK — 2012
What SADDLE RIVER VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 108,365,000 | 102,139,000 | 11,122,000 | 10,611,000 |
| Total loans | 53,939,000 | 53,489,000 | 435,000 | 435,000 |
| Allowance for loan losses | 690,000 | 720,000 | 0 | 0 |
| Securities available for sale | 39,559,000 | 35,277,000 | 0 | 0 |
| Securities held to maturity | 2,617,000 | 2,578,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,587,000 | 88,606,000 | 500,000 | 500,000 |
| Interest-bearing deposits | 88,299,000 | 81,823,000 | 0 | 500,000 |
| Noninterest-bearing deposits | 6,288,000 | 6,783,000 | 500,000 | 0 |
| Equity capital | 12,931,000 | 12,845,000 | 10,389,000 | 10,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,122,000 | 2,459,000 | 2,462,000 |
| Interest expense | 201,000 | 374,000 | 432,000 | 433,000 |
| Net interest income | 881,000 | 1,748,000 | 2,027,000 | 2,029,000 |
| Noninterest income | 18,000 | 31,000 | -1,314,000 | -1,391,000 |
| Noninterest expense | 1,367,000 | 2,433,000 | 3,138,000 | 3,639,000 |
| Provision for loan losses | 0 | 30,000 | 24,000 | 24,000 |
| Pretax income | -670,000 | -886,000 | -2,651,000 | -3,227,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -670,000 | -888,000 | -2,653,000 | -3,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,692,000 | 12,476,000 | 10,389,000 | 10,015,000 |
| Total capital | 13,382,000 | 13,196,000 | 10,389,000 | 10,015,000 |
| Risk-weighted assets | 68,834,000 | 66,265,000 | 2,142,000 | 2,477,000 |